paying in a check at the Post Office (no bank account)

GringoGoesToVagas

I was on the phone before to the "Bank of Scotland"
I said I may have a check coming soon and the issuer is the "Bank of Scotland". I said can i cash it in one of your branches with no bank account. He said no you do this at the post office. I have just looked at the post officers web site, and the only mention is paying the check into a post office account. So has anyone heard of this before?

Thanks

QrizB

No, you can't cash a cheque at the Post Office. You might be able to pay it into your bank account there, though.

https://www.postoffice.co.uk/everydaybanking/guides/where-can-i-pay-in-cheques

You do have a bank account, don't you?

Keep_pedalling

QrizB said:

No, you can't cash a cheque at the Post Office. You might be able to pay it into your bank account there, though.

https://www.postoffice.co.uk/everydaybanking/guides/where-can-i-pay-in-cheques

You do have a bank account, don't you?

According to the title they don’t, although had one a few weeks ago, but it seems they have gone down a bank free rabbit hole since this thread.

https://forums.moneysavingexpert.com/discussion/6628975/stopping-payments-going-into-my-bank-account/p1

I really don’t see how anyone can get through life without even a basic bank account in this modern age. 

GringoGoesToVagas

QrizB said:

You do have a bank account, don't you?

not for long!

Keep_pedalling

GringoGoesToVagas said:

QrizB said:

You do have a bank account, don't you?

not for long!

So you were fibbing with the title, you still have a bank account that you can pay the cheque in to!

When you do go off the financial grid, I think you should start a thread about your experience and all the problems you come up against. 

Chief_of_Staffy

Cheque. This isn't America.

Baldytyke88

Just post it to your bank, I used to do it that way with the Giro Bank back in the 90s, now I do it with Nationwide, or I take it to my building society.

EarthBoy

The only place you can cash a cheque, rather than paying it into a bank account, is at one of the loan companies, such as Cash Shop:

https://cashshop.co.uk/

You'll have to pay fees for this service.

GringoGoesToVagas

Keep_pedalling said:

GringoGoesToVagas said:

QrizB said:

You do have a bank account, don't you?

not for long!

So you were fibbing with the title, you still have a bank account that you can pay the cheque in to!

When you do go off the financial grid, I think you should start a thread about your experience and all the problems you come up against. 

Do you think the mods could make it a sticky thread
I very much doubt it though since the enterties that run this site will not want others to get smart ideas on how to get the keys to there shackles 

GringoGoesToVagas

EarthBoy said:

The only place you can cash a cheque, rather than paying it into a bank account, is at one of the loan companies, such as Cash Shop:

https://cashshop.co.uk/

You'll have to pay fees for this service.

Thanks!
Just looked at there site, bit of a rip off merchants really

8.9% Cheque 

Item Fee: £2.99

So how do they cash the cheque then?

GringoGoesToVagas

Baldytyke88 said:

Just post it to your bank, I used to do it that way with the Giro Bank back in the 90s, now I do it with Nationwide, or I take it to my building society.

So if you have a bank account are you saying you can cash it with out paying it into the bank account its self? is this what you mean or did back in 90s with Giro bank or any building socity?